The Mississippi Banker - Mar Apr 2018

Banker THE MISSISSIPPI

MARCH/APRIL 2018 VOLUME 102 • NUMBER 5

Changes in Latitude Changes in Attitude 130TH ANNUAL MBA CONVENTION May 9-13, 2018 - DESTIN, FLORIDA

1022 Highland Colony Parkway, Suite 200, Ridgeland, MS 39157 | Ph: 601.969.0222

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The official publication of the Mississippi Bankers Association FOUNDED 1889

McKinley W. Deaver • Editor Volume 102 • Number 5 • MARCH/APRIL 2018

OFFICERS Chairman Jerry Host, Jackson Vice Chairman Mary Childs, Ripley Treasurer Greg McKee, Philadelphia President McKinley W. Deaver, Jackson

BOARD OF DIRECTORS Terms Expiring 2018 Andy Anderson, Anguilla Hoppy Cole, Hattiesburg Arthur DuCote, Jackson Michael Dudley, DeKalb Moak Griffin, Columbus Frank West, Batesville Terms Expiring 2019 Steve Gresham, Holly Springs Eddie Hammond, Winona Dan Rollins, Tupelo Mark Tapp, Baldwyn Terms Expiring 2020 Shannon Aker, Brookhaven Shane Clayton, Pontotoc Alan Hargett, Indianola Gee Gee Patridge, Ridgeland Danny Whalen, Cleveland Ex-Officio Members Jerry Host, Chairman, Jackson Mary Childs, Vice Chairman, Ripley Greg McKee, Treasurer, Philadelphia Frank Sibley, Retiring Chairman, Marks George Marx, Preceding Chairman, Hazlehurst

Special Convention Issue From the President ..................................................................... 2 Good Neighbors......................................................................4-5 Around the State ...................................................................6-11 Convention Overview .........................................................18-21 MYB Convention Recap .....................................................26-28 Bankers on the Move...........................................................30-32 Webinar Calendar .................................................................... 33 American Bankers Association.................................................. 34

STAFF President & CEO... .............. McKinley W. Deaver Senior V.P., Operations.........................Amy Davis Senior V.P., Gov. Relations ........... Gordon Fellows Programs Manager...........................Lori Richardson Marketing Manager....................... Brooke McCoy Manager of Insurance Services.........Sherell Taylor Administrative Assistant.................Vicky Franklin

Independent Community Bankers of America.......................... 35 MBA Job Bank......................................................................... 36 The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone 601-948-6366. Periodicals Postage paid in Jackson, Mississippi.

POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037.

YOUNG BANKERS SECTION President...............................Bob Glover, Ripley Vice President................. Marc Petro, Ridgeland Treasurer....................... Zach Luke, Greenwood

The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements.

Printed By Hederman Brothers, Ridgeland, MS

MARCH/APRIL 2018

1

From the President THE MISSISSIPPI BANKER

Changes in Latitude, Changes in Attitude

By Mac Deaver, MBA President & CEO The 130th annual reunion of Mississippi's banking family on May 9-13 will mark the 15th straight year that the MBA Annual Convention will convene at the Sandestin Golf and Beach Resort. We Deaver expect to again have 130TH Annual MBA Convention close to 700 folks join us for four days May 9-13, 2018 - Destin, Florida of education, recreation and relaxation on Florida's beautiful Emerald Coast.

Our 2018 convention concludes of the Stockdale Center for Ethical planned for Saturday night, designed to another great year for the MBA, Leadership at the U.S. Naval Academy. add excitement and fun to our closing Once again, the MBA Convention convention event. (See story below.) and we will use the occasion to ceChairman Jerry Host provided lebrate the efforts of those whose has tremendous sponsorship support. efforts contributed to our success. Special thanks to our major convention outstanding leadership to the MBA This year's convention theme - sponsors Trustmark National Bank, First this past year. We made significant "Changes in Latitude, Changes in At- National Bankers Bank, Federal Home strides toward implementing our stratitude" - is a less-than-subtle reference Loan Bank of Dallas, and Stockett & tegic plan, with the goal of increasing to the wave of change that the banking Thomas Agency. Trustmark will host the value of MBA membership. The industry continues to encounter. The its annual party on Thursday night, process of challenging and re-evaluating theme also hints that we plan to have a which will include a silent auction to our association structure, programs really good time while we are in Destin! benefit the MBA Education Foun- and activities, will continue into the Our convention schedule is full dation. FNBB will have its cocktail new year. The convention is a great of activities and events but still lea- party on the grand lawn on Friday opportunity to say "thank you" to ves plenty of time to spend with as- evening. Stockett & Thomas is again Jerry and his wife, Olivia, for the great sociates and friends. The convention the lead sponsor of Friday's golf tour- job they did representing all of us this begins with Wednesday evening's nament, and FHLB Dallas is sponso- past year. I encourage all parrot heads welcome reception and opening of ring Saturday's special closing event. (and the rest of you, too) to join us in We have some major "changes" Destin. And don't forget your flip-flops. the annual trade show. We expect another great trade show, with over 50 exhibitors and lots of fun activities.

Special closing event planned for 2018 Convention General sessions on Thursday and Friday promise to deliver meaningful knowThe closing event of the MBA incoming MBA chairs are planned, ledge and insights on a variety of banking Convention will have have a new and special recognition will be given and business topics. Thursday's session and different format this year, as we to the past MBA chairmen in attenwill feature a presentation by Dr. David replace the formal banquet with a more dance. With the help of our event Altig, executive vice president and informal, reception-style gathering. sponsor, Federal Home Loan Bank director of research for the Federal ReSaturday evening's Special Closing of Dallas, some special surprises are serve Bank of Atlanta. Then, Chairman Event will provide a full dinner as being planned to add extra excitement!

Host will lead a discussion with Rob All of the planned changes are in the past, with multiple buffet staNichols, president of the American tions featuring a wide variety of food designed to make the Special CloBankers Association, and Paul Merski, and refreshment. The new format sing Event more enjoyable, while executive vice president of the Indepenwill allow attendees to socialize and maintaining important traditions dent Community Bankers of America. dine on their own schedule. Dress of our convention. We encourage Our Friday general session speakers for the event will be resort casual. everyone to come prepared for a night will be generational expert Cam MarsRemarks by the outgoing and of great food, fun and fellowship. ton and Col. Arthur Athens, director 2

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Good Neighbors THE MISSISSIPPI BANKER

Mechanics Bank partners with Junior Leadership Lafayette Program designed to develop student leadership skills The Junior Leadership Lafayette Program is designed for 10th grade students who are interested in becoming leaders in their communities in Oxford and Lafayette County. Mechanics Bank Marketing Director Tami Williams Tacke, representing the bank, has served on the group’s steering committee for 6 years. In this role, Tacke helps plan and coordinate sessions and assists the students with community service projects.

Tacke explains that “students participate in 9 interactive training sessions and learn from local professionals about leadership skills, team building, volunteerism, career development, government, education, community awareness, our university, the arts, and much more.” Students may meet with and ask questions of local business professionals, community/government leaders, and medical and university professionals, offering students real insight into different professions they may be considering for their own future. “We would love to see these students remain in Oxford and want them to see all our community has to offer,” enthuses Tacke.

This year the students have volunteered with three local programs for their community projects. They organized a Book Drive with the Lafayette County Literacy Council, did a local food drive for Lovepacks, and assisted in coordination of a blood drive with Mississippi Blood Services.

Junior Leadership Lafayette has successfully graduated nearly 450 participants since it began in 1998. When the program concludes this April, a graduation dinner will be held for the participants and their families. The students will make oral presentations highlighting what they have learned through their sessions and their community service projects. The class will also vote for one participant to receive the Leadership Award for their outstanding display of character and leadership throughout the program.

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Mechanics Bank Marketing Director Tami Williams Tacke with Mayor Robin Tannehill and fellow Session Coordinator Tracie Russell here with the 2018 Junior Leadership Lafayette Class at the recent Government Leaders Session.These students spent the afternoon learning about local government and hearing from local government leaders as part of their 3 month leadership program.

Banker in Every Classroom

J. Grant Reynolds, Vice President, Bank of Pontotoc, (Oxford University Bank) met recently with 150 students from North Pontotoc High School and South Pontotoc High School combined, at the Pontotoc Ridge Career & Technology Center. Rey nolds discussed household budgeting and explained how to write a check.

THE MISSISSIPPI BANKER

Good Neighbors THE MISSISSIPPI BANKER

Grant funds rehabilitate Mississippi transitional rental community BancorpSouth Bank, Trustmark National Bank, FHLB Dallas provide funds A 25-unit facility for women and children in Jackson will open soon, thanks to a $212,500 Affordable Housing Program grant from the Federal Home Loan Bank of Dallas (FHLB Dallas), BancorpSouth Bank and Trustmark Bank.

Local dignitaries and project representatives recently attended a check presentation and ribbon cutting event at Jackson Revival Center to announce the funds.

The grant was awarded to the Corporation for Global Community Development (CGCD), which spearheaded the Hearts of Compassion Transitional Housing project, a 25-unit rental community for homeless and at-risk women and their children. The grant provided funding for the rehabilitation of two buildings: one to house single women and a second building to house women and their children. The community will open its doors to residents in July 2018.

“At BancorpSouth, we are driven in part by a deep commitment to the communities we serve and recognize how beneficial partnerships like this are to those communities,” said Joseph Moss, mid-Mississippi division president for BancorpSouth Bank.

In addition, FHLB Dallas partnered with BancorpSouth Bank to award $16,000 in Partnership Grant Program (PGP) funds to the nonprofit, and Trustmark National Bank

Local dignitaries and project representatives attended a check presentation and ribbon cutting event at Jackson Revival Center.

to award $4,000 for a total award of $20,000. CGCD used the funds for organizational capacity building.

The structure of the PGP allows FHLB Dallas member institutions like BancorpSouth Bank and Trustmark National Bank to make a contribution of $500 to $4,000 to a communitybased organization (CBO), which FHLB Dallas will match at a 3:1 ratio.

“At Trustmark, one of our top priorities is to serve the community,” said Steffani Jenkins, first vice president and director of Community Develop-

ment at Trustmark National Bank.

“Partnering with FHLB Dallas and BancorpSouth to help CGCD further its mission through the Partnership Grant Program is a privilege.”

“FHLB Dallas’ community investment programs help our members serve their communities through affordable housing initiatives just like CGCD,” said Greg Hettrick, first vice president and director of Community Investment at FHLB Dallas. “None of this would be possible without our members’ tireless commitment to the community.”

A Banker in Every Classroom - Mississippi Bankers Association Foused on connecting local bankers with teachers in their community for this annual October event.

MBA can help with contacts and materials in April or any other month!

Teach Children to Save - American Bankers Association This annual program features an annual Teach Children to Save Day and materials for bankers.

Mark your calender for April 20 and visit msbankers.com for more information.

MARCH/APRIL 2018

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Around the State THE MISSISSIPPI BANKER

Newton Blount retires from First Southern Bank; R. Scott Davis named President and CEO The Board of Directors of First Southern Bank announced the retirement of President and Chief Executive Officer, Newton B. Blount, effective March 31, 2018. R. Blount Scott Davis, the current Executive Vice President, Chief Operating Officer and Chief Financial Officer, has been named to succeed Mr. Blount as President and Chief Executive Officer.

Blount is a graduate of the University of Southern Mississippi and the Mississippi Graduate School of Banking at Louisiana State University. He has 44 years of banking experience, having served the last 35 years in Columbia, Marion County. Blount is past president of the Marion County Chamber of Commerce, past president of Columbia Rotary Club, a recipient of the Rotary Club Lute Bush Award, and a Paul Harris Fellow. He is also is active in several business and civic organizations.

He joined the bank in February of 2004 and has served as Executive Vice President, Chief Lending Officer and Columbia Division President. In October 2008, Blount was named President and Chief Executive Officer of First Southern Bank. In September 2010, First Southern Bank hosted a fifty-year anniversary celebration of the bank.

Blount and his wife, Denise, have two children. Will Blount and his wife, Rachel, of Madison, and Emily Blount Noland and her husband, Ryan of New Orleans. They have three grandchildren, Hayden and Scarlett Blount, and Ivy Marie Noland. They are members of First Baptist Church of Columbia.

R. Scott Davis has over 25 years of experience in the financial services industry including ten years as an accountant with Topp McWhorter Harvey, PLLC, and the 15 years with First Southern Bank. Davis has served as First Southern Bank's Chief Financial Officer since April 2003 and assumed the role of Chief Operating Officer, along with Chief Financial Officer, in De-

Mitch Waycaster named Honorary Consul of Japan in Tupelo T h e G ov e r n ment of Japan has appointed Mr. C. Mitchell Waycaster to be the Honorary Consul of Japan in Tupelo. Honorary Consul Way- Waycaster caster will assist the Consulate-General of Japan in Nashville in promoting positive Japan-U.S. relations in Mississippi. He will hold the position for a five-year renewable term.

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Waycaster is currently the President and Chief Operating Officer of both Renasant Corporation and Renasant Bank, one of the oldest banks in Mississippi. He actively serves his community as a member of the CREATE Foundation board of directors. He also serves on the boards of North Mississippi Health Services, North Mississippi Medical Center, the North Mississippi Health Services Foundation, and the Yocona Area Council of the Boy Scouts of America.

THE MISSISSIPPI BANKER

cember 2004. In 2014, Davis was named Executive Vice President.

Davis is a graduate of Columbia High School. He is a 1994 graduate of the University of Southern Missis- Davis sippi where he received a Bachelor of Science Degree in Accounting including an Emphasis in Management Information Systems. He was a member of the graduating class of 2007 from the Graduate School of Banking at Louisiana State University. Davis served as a member of the Mississippi School of Banking Board of Trustees from 2008 to 2010. He is a former member of the Rotary Club of Columbia, where he served as President, was awarded the Lute Bush Award, and was recognized as a Paul Harris Fellow.

Scott is an active member of First Baptist Church of Columbia where he serves as a Deacon. Davis is married to the former Carol Hemphill, and they have two daughters, Riley and Carley.

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Around the State THE MISSISSIPPI BANKER

BankFirst Financial Services acquires HomeFirst, Inc. BankFirst Financial Services recently announced the completion of the purchase and assumption of certain assets and liabilities of HomeFirst, Inc. H o m e Fi r s t w a s a mortgage services Griffin company founded in 2004 with offices in Oxford and Jackson. Following the acquisition, BankFirst will continue operating HomeFirst’s Oxford office as a mortgage production office. BankFirst has also retained all of HomeFirst’s employees, including two executives, Tonquin Stovall and Brian Sistrunk.

“I am very pleased to announce that we have completed our acquisition of Oxford-based HomeFirst, Inc.,

and I am excited to welcome our new mortgage team members to BankFirst Financial Services. The addition of the HomeFirst team complements and enhances our current mortgage platform and establishes a new presence for us in the Oxford community,” said Moak Griffin, President and Chief Executive Officer of BankFirst. “We are proud of our 130 year history, and we remain committed to helping our customers and communities thrive.”

The acquisition of HomeFirst reflects BankFirst’s continued effort to be Mississippi’s premier community bank that is committed to supporting the financial well-being of both its customers and local economies.

BankFirst Financial Services, the subsidiary bank of BankFirst Capital Corporation, is a $960 million financial institution that is locally owned, controlled, and operated. BankFirst is headquartered in Columbus, Mississippi, with additional offices in Flowood, Hickory, Lake, Louin, Macon, Madison, Newton, Jackson, Starkville and West Point, as well as Tuscaloosa, Alabama.

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Around the State THE MISSISSIPPI BANKER

Community Bank honors Thomas Colbert Endowed fund, award at Ole Miss pay tribute to 50 years with bank

Community Bancshares of Mississippi Inc.'s senior chairman of the board Thomas Colbert was Mississippi’s youngest bank CEO in 1968 and founded the state’s first-ever bank holding company in 1977. To mark Colbert’s golden anniversary in banking, Community Bank has given $340,000 to the University of Mississippi School of Business Administration. New initiatives at his alma mater bearing his name will provide educational opportunities for emerging young entrepreneurs and business students.

“We are so honored to make this contribution to pay tribute to our visionary leader,” said Charles W. Nicholson Jr., president and CEO of Community Bank. “I always think of Thomas as an extraordinary entrepreneur who just happens to be a banker. He has done so much for the community, his friends, family and the entire staff at Community Bank.”

The Thomas W. Colbert Lectureship in Venture Capital and Entrepreneurial Finance Endowment will provide funds to recruit and retain faculty members to the business school’s Center for Innovation and Entrepreneurship. Annual income from the endowment can be used for salary supplements, research and creative activity support, and more.

The Thomas W. Colbert-Community Bank Innovation Award Fund will underwrite an annual $5,000 prize to a student entrepreneur venture team for an outstanding venture driven by innovation in a product, process or service through the application or development of a technological change.

Colbert developed a successful model for Community Bank that has been a key to one of the South’s fastestgrowing financial institutions. The model created separately chartered banks that operate independently but share services within a holding company.

Formerly Farmer and Merchants 8

Community Bank officers gathered to honor Thomas Colber, L to R: David M. Hughes, Chief Operating Officer; Thomas W. Colbert, Senior Chairman of the Board; Freddie J. Bagley, Chairman of the Board; Charles W. Nicholson, Jr., President and CEO.

Bank, Community Bank started more than 100 years ago in a small timber community in east central Mississippi. It has grown by employing innovative approaches to one of the nation’s most routine industries.

With few acquisitions, Community Bank has grown from $6 million in assets and a couple of offices to more than $3 billion in assets, 47 offices and more than 785 staff members in four states. Community Bank has been named one of the “Best Places to Work in Mississippi” by the Mississippi Business Journal and included in the “Best Banks to Work For” by the American Bankers Association.

The generous gift from Community Bank was a fitting way to honor Colbert, given his record as a proven entrepreneur, said Ken Cyree, dean of the Ole Miss business school.

“We are excited about the opportunities this gift provides and have high expectations that these graduates will help advance our state, region and nation.”

Colbet is married to the former Ann Brand of Houston, and they have one son, Thomas W. Colbert Jr., and

THE MISSISSIPPI BANKER

two granddaughters, Anna and Claire.

"Our roots go deep at the University of Mississippi and we’re just delighted by this gift," Colbert explained. "I really cannot have asked for a higher honor than this being bestowed on me."

Ann's great-great uncle, Dr. Christopher Longest, was head of the English department and interim chancellor of Ole Miss in the 1900s. Thomas' brother is a graduate of Ole Miss, as are Thomas, Ann, and their son and daughter.

The Colberts established an endowment in the Department of Music to memorialize their late daughter, Christy Colbert Butler.

See you at the MBA Annual Convention!

May 9-13 Destin, Florida

Around the State THE MISSISSIPPI BANKER

Trustmark, Fisher Brown Bottrell Insurance open new Pensacocla office Trustmark and Fisher Brown Bottrell Insurance, Inc., celebrated the official opening of their new concierge-style office in Pensacola, Fla. In attendance were local community leaders, business owners and representatives from the Greater Pensacola Chamber of Commerce.

Trustmark is a diversified financial services company headquartered in Jackson, with approximately 200 locations in Alabama, Florida, Mississippi, Tennessee and Texas. Trustmark provides banking, wealth management and insurance solutions through its companies, including Trustmark National Bank, Trustmark Investment Advisors, Inc., and Fisher Brown Bottrell Insurance, Inc. Trustmark has provided banking and financial solutions for over 128 years. While not new to banking,

Trustmark is new to the Pensacola market, where the company will offer products and services, such as retail banking, mortgage lending, commercial lending, commercial real estate lending and wealth management. Fisher Brown Bottrell has provided personal

and business insurance solutions for its clients for more than a century.

“By combining our Trustmark Pensacola Main office and Fisher Brown Bottrell Insurance agency into one building, we are able to offer our customers a one-stop shop to meet both their financial and insurance needs,” Trustmark Retail Banking President Art Stevens stated.

“Fisher Brown Bottrell is excited to share office space with the Trustmark banking team, which will allow for the opportunity to collaborate together and better serve our customer base in the Pensacola market,” Fisher Brown Bottrell Insurance, Inc., President Scott Woods stated.

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MARCH/APRIL 2018

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Around the State THE MISSISSIPPI BANKER

Trustmark unveils plans for new office in Jackson's historic Fondren district Trustmark recently unveiled plans for its newest location at a ceremonial groundbreaking in the historic Fondren district of Jackson. The company announced that the new location, known as Trustmark Fondren and located at the corner of Old Canton Road and Duling Avenue, is scheduled to open in 2019. Local community leaders and business owners, as well as the architectural designers, construction managers and Trustmark executive officers, all took part in the event and helped turn the first ceremonial shovels of dirt to kick-off the building project.

“Today’s groundbreaking represents Trustmark’s continued commitment to our customers, the Fondren community and the city of Jackson,” stated Trustmark CEO Jerry Host. “Since we opened our North Jackson branch right across the street in 1950, Trustmark has been steadfast in our support of helping this community grow and prosper. Our new Trustmark Fondren office will stand as a testament to that partnership, and we look forward to serving our customers, neighbors and businesses in Fondren for years to come.”

Cooke Douglass Farr Lemons Architects & Engineers, who designed the two-story building and will occupy the second floor once completed, took special care to ensure the building would blend seamlessly into the architectural fabric of its historic surroundings.

“Trustmark has been a true community partner in Fondren since opening the doors of its first branch here in the Morgan Center, which is now known as Woodland Hills Plaza,” stated Jim Wilkirson, Executive Director of the Fondren Renaissance Foundation.

Part of the recent history of the lot where the new Trustmark Fondren will be built included a Leland Cypress tree that has been lit as part of the community’s Christmas celebration since 2007. To further the legacy of the 10

Local community leaders and business owners, as well as the architectural designers, construction managers and Trustmark executive officers, all took part in the event and helped turn the first ceremonial shovels of dirt to kick-off the building project.

tree, which experts say is diseased and will have to be removed, Trustmark has commissioned Mississippi wood craftsman Fletcher Cox to create a piece of art from the tree to display inside of the branch. Additionally, Trustmark gifted three new Leland Cypress trees to the Fondren Renaissance Foundation to plant throughout Fondren as a symbol of partnership and expansion.

Trustmark Fondren, which will be built by Yates Construction, will offer comprehensive consumer and com-

THE MISSISSIPPI BANKER

mercial financial services, including retail and private banking, as well as wealth management, mortgage services and commercial lending. The new location will feature concierge-style banking, as well as Trustmark’s interactive teller machine, myTellerSM, that will provide customers with two-way audio/video banking. myTeller will also convert to an ATM for convenients after-hours banking and will offer same day credit for most deposits made by 9:00 p.m. on weeknights.

Artist rendering of Trustmark Fondren

Around the State THE MISSISSIPPI BANKER

Mississippi State University student team participates In national community bank case study competition A group of Mississippi State University students is gaining first-hand knowledge of the banking industry by participating in the 2018 Conference of State Bank Supervisors Community Bank Case Study (CSBS) Competition.

The MSU team is competing against 53 other student teams representing 47 colleges and universities across the United States. Each team is developing an original case study that evaluates how its local community bank is using technology within day-to-day operations. The MSU team is partnered with The Peoples Bank, located in Ripley.

“This program provides a tremendous opportunity for Mississippi State students to work closely with experienced leaders in the banking profession to examine issues facing the financial services industry,” said Mike Highfield, professor of finance and head of the MSU College of Business’ Department of Finance and Economics.

Mississippi Commissioner of Banking and Consumer Finance Charlotte N. Corley commended the students for participating in the competition.

“Encouraging universities and students to participate in the Case Study competition is two-fold,” Corley said.

“One – it gives students the opportunity to compete for scholarship money and recognition. Two – it enlightens students on various aspects of the banking industry and encourages them to pursue careers in banking or bank regulation. I am pleased Mississippi State University saw value in the competition and chose to participate for the second year in a row.”

The student teams are competing for an academic scholarship, a chance to have their work published in an academic journal, an invitation to present their paper at The Department of Banking and Consumer Finance’s annual CEO Summit and an opportunity to attend the sixth annual CSBS-Federal Reserve Community Banking Research Conference, held in St. Louis this October.

The top three scoring teams will be an-

nounced this spring. For more information, visit www.csbs.org/bankcasestudy.

Buddy Mortimer, a lecturer in the Department of Finance and Economics and CEO of the Bank of Kilmichael, is serving as the faculty adviser for MSU’s team. The student participants include, by hometown:

Jack Simpson, a junior finance major from Booneville; Douglas Kilarski, a senior finance major from Columbus; Alex Bedwell, a junior accounting major from Hattiesburg; Elliott Farmer, a senior finance major from Memphis, Tenn.; and Zach Ford, a senior finance major from Plano, Tex.

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11

MBA Legislative Update THE MISSISSIPPI BANKER

Mississippi Legislature passes number of MBA-supported bills in 2018 session On Wednesday, March 28, the Mississippi Legislature adjourned the 2018 Regular Legislative Session, wrapping up a session in which the legislature passed a number of MBA-supported bills: Pledging Bid for Public Deposits HB 1355 (Rep. Jeff Smith) clarifies that bonds issued by Mississippi cities, counties, school districts, and other political subdivisions do not have to be rated in order to be considered eligible collateral for pledging against state deposits.

Rate Parity for State-Chartered Banks,Bank Merger Approval Process HB 1338 (Rep. Hank Zuber) codifies the “most favored lender doctrine” into state law, thereby ensuring that state-chartered banks are able to match rates offered by “rate exporters” headquartered in other states. HB 1338 also includes a provision that ensures that banks are subject to the same shareholder merger approval requirements as any other corporation.

Transfer of Safe Deposit Boxes SB 2668 (Sen. Sally Doty) creates a clear process by which banks can transfer

ownership or contents of a safe deposit box if the box holder dies and no one else is listed on the box agreement.

This legislation sets the process and time frame in which ownership can be transferred. It also sets forth requirements for an affidavit which a bank may require to transfer box ownership.

“Credit Builder” Loans SB 2508 (Sen. Rita Parks) amends the definition of personal property to include “cash,” “deposit accounts,” and “promissory notes.” This change was necessary to clarify that banks can offer “credit builder” loan products to persons 18, 19, or 20 years of age.

Manufactured Housing Conversion to Real Property HB 827 (Rep. Greg Snowden) creates a new, voluntary process by which a mobile home owner who chooses to affix the home to land owned by the home owner can convert the title of the home to real property. This should help lenders in making certain mobile home loans.

Titles for Salvaged Vehicles SB 2277 (Sen. Joey Fillingane) will no

2018 MBA Bank Directory

longer allow clean titles to be issued for salvaged vehicles. This new law will instead require that a “branded title” be issued, which should help banks better understand the actual value of a vehicle before making a car loan.

In addition to working to ensure passage of these general bills, the MBA also closely followed legislation that was posed to set the FY 2019 budget for the Department of Banking and Consumer Finance at $10.7 million and allow the department to employ up to 86 full-time staff. This represents an increase from the department's $10.3 million budget in FY2018.

The MBA wishes to thank all of the bankers that provided thoughts on legislation, and took time to discuss legislation with their local legislators. If you or anyone at your bank has questions about this legislation session, or if you have ideas about items the MBA should pursue in future legislative sessions, please contact MBA SVP Government Relations Gordon Fellows at gfellows@ msbankers.com, or 601-948-6366.

2018

MISSISSIPPI

BANK DIRECTORY

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THE MISSISSIPPI BANKER

MBA Hosts 6th Annual Women in Banking Conference Over 120 bankers attended the sixth annual MBA Women in Banking Conference held March 27 at the Hilton Hotel in Jackson.

Lorann Paige McInnis, Magnolia State Bank, chair of the conference planning committee, presided over a full day of presentations on banking, business, leadership and organizational issues from a female perspective. The Women in Banking Conference has grown in each of its previous five years.

The conference began with remarks

by State Treasurer Lynn Fitch. The remainder of the morning session

included presentations by Kimberly Campbell, state director and regional vice president for the American Association of Retired Persons, and Jan Cossitt, city alderman in Clinton and volunteer services coordinator for Merit Health Systems.

At lunch, Mississippi native Sarah Thomas shared her perspective as the first female game official in the history of the National Football League.

The afternoon session was led by Olivia Martin, a renowned leadership and management coach.

Conference Planning Committee CHAIR Lorann Paige McInnis Magnolia State Bank, Bay Springs Rebecca Barrentine Copiah Bank, Hazlehurst Gaye Broyles BankPlus, Ridgeland Monica Day Trustmark Bank, Jackson Kristy Davis First State Bank, Waynesboro Myra Dunlap Guaranty Bank & Trust, Belzoni Tracy Goforth First Security Bank, Batesville Eliza Henderson First National Bankers Bank, Ridgeland Julie Henry First Choice Bank, Pontotoc Alice Herbison Bank of Benoit, Benoit

Conference Speakers Clockwise from top: Lynn Fitch, Mississippi State Treasurer; Sara h T ho mas , N a t i on a l F o ot b a l l L eague gam e of f i ci al; Jan Cossitt, Merit Health Systems volunteer services coordinator Kimberly Campbell, American Association of Retired Persons.

Dee Dee Lowery The First, Hattiesburg Ginny Moser First National Bank, Clarksdale Tammy Phillips Community Bank, Brandon Cathy Robertson BancorpSouth, Tupelo Robin Sanderson Citizens Bank, Columbia Martha Underwood PriorityOne Bank, Magee Jennifer Wallace Pike National Bank, McComb Pam Ware Renasant Bank, Ridgeland

MARCH/APRIL 2018

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2018 MBA Bank Directory

NEW

2018

MISSISSIPPI

BANK DIRECTORY

Digital online subscriptions Flash-drive format Popular print version Up-to-date information on Mississippi’s banks, government officials, state and federal regulatory agencies and other industry trade associations.

Includes a listing of MBA Affiliates offering products and services to Mississippi banks.

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Use this order card Visit msbankers.com Call 601-948-6366 Directory Order Card Please send me the 2018 Mississippi Bank Directory 1 Choose the format for your 2018 Mississippi Bankers Directory: Print Copies Mail this form with your payment to: Mississippi Bankers Association P. O. Box 37 Jackson, MS 39205-0037

2 Please complete the following information for Print Copies ($45)

12-Month Online Subscriptions ($45) Call the Mississippi Bankers Association: 601-948-6366 Flash Drive (comma delimited format) Call 800-336-1120 ($250 MBA members/$650 Nonmembers)

4/18 14

Name Bank/Company Address City

State

Phone

Fax

Zip

E-mail 3 Calculate shipping costs: For 1-5 Directories $6.70 For 1-20 Directories $13.65

No. of Directories = 4 Mail this card along with your payment. @ $45 each = $ (Please include Shipping = shipping costs) Total Amount Enclosed = $

MAIL TO: Mississippi Bankers Association P. O. Box 37 Jackson, MS 39205-0037 640 North State Street Jackson, MS 39202 601-948-6366 phone 601-355-6461 fax THE MISSISSIPPI BANKER

From the pages of The Mississippi Banker Special 125th Anniversary issue Organizers of the Mississippi Bankers Association At Jackson, May 22, 1889

For Sale at the MBA Annual Convention!

G. D. ABLE, Cashier, Bank of Water Valley, Water Valley F. F. BECKER, Cashier, Commercial Bank, Brookhaven A. G. CAMPBELL, Cashier, First Natchez Bank, Natchez R. A. CAMPBELL, Bank of Summit, Summit S. S. CARTER, President, First National Bank, Jackson H. P. DAVIS, President, Bank of Durant, Durant I. N. ELLIS, Cashier, Merchants & Planters Bank, Hazlehurst LAWRENCE FOOTE, Foote & Smith, Canton B. W. GRIFFITH, Cashier, Capital State Bank, Jackson G. Q. HALL, Vice President, Meridian National Bank, Meridian R. W. JONES, JR., Cashier, Merchants & Farmers Bank, Macon W. S. JONES, Cashier, Merchants National Bank, Vicksburg C. C. KELLY, C. C. Kelly, Kosciusko W. D. LAWSON, President, Bank of Pickens, Pickens J. W. McLEOD, Cashier, Merchants Bank, Grenada R. W. MILLSAPS, President, Capital State Bank, Jackson T. M. MOSELEY, Cashier, First National Bank, West Point W. A. POLLOCK, President, Bank of Greenville, Greenville BEM PRICE, Cashier, Bank of Oxford, Oxford J. C. PURNELL, Purnell & Hawkins, Winona LEE RICHARDSON, President, Delta Trust & Banking Co., Vicksburg J. P. ROACH, President, First National Bank, Vicksburg CHARLES ROBERTS, Bank of Yazoo City, Yazoo City JAMES ROBERTSHAW, Cashier, Merchants & Planters Bank, Greenville J. C. SMITH, President, Bank of Crystal Springs, Crystal Springs V. L. TERRELL, Vice-President, Bank of Crystal Springs, Crystal Springs O. J. WAITE, Cashier, First National Bank, Jackson R. V. WALL, First National Bank, Meridian J. H. WRIGHT, Cashier, Meridian National Bank, Meridian

Executive Directors/Presidents of the Mississippi Bankers Association MCKINLEY W. DEAVER J. BEN WOODS, JR. JOHN R. HUBBARD * LEIGH WATKINS JR. * BUFORD YERGER *

1993 1984 -1992 1970-1984 1946-1970 1944-1946

GEORGE B. POWER * THOMAS H. DICKSON * B.W. GRIFFITH *

1918-1944 1913-1918 1889-1913 * Deceased

SPECIAL ANNIVERSARY ISSUE

18 8 9

12 5 Y E A R S

2 014

TIO N ERS A SSO CIA M ISSI SSIP PI B ANK

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MBA Officers and Board of Directors 2017-18 CHAIRMAN

VICE CHAIRMAN

Jerry Host Trustmark National Bank Jackson

Mary Childs The Peoples Bank Ripley

TREASURER

Greg McKee The Citizens Bank of Philadelphia Philadelphia

Preceding Chairman

Retiring Chairman

At Large

At Large

At Large

Frank Sibley Citizens Bank and Trust Co. Marks

George Marx Copiah Bank Hazlehurst

Arthur DuCote Regions Bank Jackson

Gee Gee Patridge BankPlus Ridgeland

Dan Rollins BancorpSouth Tupelo

Shane Clayton First Choice Bank Pontotoc

Group 3

Group 3

Group 4

Group 1

Group 2

Group 2

Steve Gresham Mark Tapp Farmers & Merchants Bank Bank of Holly Springs Holly Springs Booneville

Group 4

Frank West First Security Bank Batesville

Group 5

Eddie Hammond Bank of Winona Winona

Michael Dudley The Commercial Bank DeKalb

Alan Hargett Planters Bank & Trust Co. Indianola

Group 1

Moak Griffin Danny Whalen Cleveland State Bank BankFirst Financial Services Columbus Cleveland

Group 6

Group 7

Group 8

Andy Anderson Bank of Anguilla Anguilla

Shannon Aker Bank of Brookhaven

Hoppy Cole The First Hattiesburg

Brookhaven

MBA Staff

Mac Deaver President & CEO

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Amy Davis Sr. Vice President Operations

Gordon Fellows Sr. Vice President Govt. Relations

THE MISSISSIPPI BANKER

Lori Richardson Programs Manager

Brooke McCoy Marketing Manager

Sherell Taylor Manager of Insurance Services

Vicky Franklin Administrative Assistant

Help us Build a Strong Foundation Visit the MBA Convention

SILENT AUCTION Thursday, May 10 6-7:30 p.m.

Proceeds benefit the

The Foundation is a 501(c)(3) non-profit corporation and is eligible to receive tax-deductible contributions.

Please consult your tax advisor to determine the tax deductibility of your gift.

MARCH/APRIL 2018

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2017-2018 MBA OFFICERS CHAIRMAN

VICE CHAIRMAN

TREASURER

Jerry Host

Mary Childs

Greg McKee

Trustmark National Bank Jackson

The Peoples Bank Ripley

The Citizens Bank Philadephia

CONVENTION SPEAKERS

Dr. David E. Altig

Executive VP/Director of Research Federal Reserve Bank, Atlanta

Paul Merski

Cam Marston

Expert on the Generations Generational Insights

Executive VP - Congressional Relations & Strategy Independent Community Bankers of America 18

THE MISSISSIPPI BANKER

Rob Nichols

President & CEO American Bankers Association

Col. Arthur J. Athens

Director, Stockdale Center for Ethical Leadership U.S. Naval Academy

130TH ANNUAL MBA CONVENTION May 9-13, 2018 - Destin, Florida

CONVENTION SCHEDULE WEDNESDAY, MAY 9 Registration Desk Ope.n.................................................................................................................................................................................................2:30 – 8 p.m.

Welcome Reception & Trade Show ........................................................................................................................................................................6 – 8 p.m.

THURSDAY, MAY 10 Registration Desk Open..............................................................................................................................................................................7:30 a.m. – 2:30 p.m.

Sunrise Devotional..........................................................................................................................................................................................................................7:15 a.m.

Continental Breakfast................................................................................................................................................................................................7:30 – 8:30 a.m.

Trade Show...................................................................................................................................................................................................................................7:30 – 9 a.m.

General Session........................................................................................................................................................................................................................9 – 12 noon Lunch “Buffett” in Trade Show................................................................................................................................................................12 noon – 1:30 p.m.

Trade Show........................................................................................................................................................................................................................12 noon – 3 p.m.

Trustmark National Bank Party.........................................................................................................................................................................................6 – 7 p.m.

Silent Auction for MBA Education Foundation........................................................................................................................................6 – 7:30 p.m.

FRIDAY, MAY 11 Registration Desk Open...............................................................................................................................................................................7:30 a.m. – 12 noon Sunrise Devotional .........................................................................................................................................................................................................................7:15 a.m.

GSB at LSU Breakfast (Graduates Only)....................................................................................................................................................................7:30 a.m.

Continental Breakfast................................................................................................................................................................................................7:30 – 9:00 a.m.

General Session....................................................................................................................................................................................................................8:30 – 11 a.m.

Grand Prize Giveaways ................................................................................................................................................................................................................11 a.m.

Golf Tournament sponsored by Stockett & Thomas................................................................................................12 noon Shotgun Start FNBB/FNBB Capital Markets Cocktail Party.........................................................................................................................................6:30 – 7:30 p.m.

MBA Chairman’s Dinner (Invitation Only)...............................................................................................................................................................7:30 p.m.

SATURDAY, MAY 12 Registration Desk Open............................................................................................................................................................................7:30 a.m. – 11:30 a.m.

Sunrise Devotional...........................................................................................................................................................................................................................7:15 a.m.

Continental Breakfast................................................................................................................................................................................................7:30 – 8:30 a.m.

FHLB Dallas Breakfast (Bankers Only)..........................................................................................................................................................................7:30 a.m.

Business Session.............................................................................................................................................................................................................8:30 – 11:30 a.m.

Spouse Program & Brunch....................................................................................................................................................................................................9:00 a.m.

Special Closing Event sponsored by FHLB of Dallas............................................................................................................................................7 p.m.

MARCH/APRIL 2018

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SPECIAL THANKS TO OUR MAJOR CONVENTION SPONSORS

TRADE SHOW WED. MAY 9 6:00 - 8:00 p.m.

THURS. MAY 10 7:30 - 9:30 a.m.

12 noon - 3:00 p.m.

• Bring your punch card and visit each booth to enter your name for Friday's Grand Prize Giveaways!

Trade Show Luncheon 12 noon - 1:30 p.m • Join us for the delicious convention-wide buffet lunch featured during the Trade Show!!

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THE MISSISSIPPI BANKER

Grand Prize Giveaways Friday, May 11 11:00 a.m.

130TH ANNUAL MBA CONVENTION May 9-13, 2018 - Destin, Florida

SPOUSE PROGRAM AND BRUNCH Saturday, May 12

9:00 a.m.

Peter Woods will share how he and his brothers make their pottery and how they started their Mound Bayou pottery business. Event favors and centerpieces will feature Peter's Pottery and pieces will be available for purchase after the program.

GOLF TOURNAMENT Friday, May 11 NOON Shotgun Start

Boxed Lunches in carts

Team information available at Registration Desk MARCH/APRIL 2018

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MBA Past Chairmen NO. YEARS SERVED 129 2017-18 128 2016-17 127 2015-16 126 2014-15 125 2013-14 124 2012-13 123 2011-12 122 2010-11 121 2009-10 120 2008-09 119 2007-08 118 2006-07 117 2005-06 116 2004-05 115 2003-04 114 2002-03 113 2001-02 112 2000-01 111 1999-2000 110 1998-99 109 1997-98 108 1996-97 107 1995-96 106 1994-95 105 1993-94 104 1992-93 103 1991-92 102 1990-91 101 1989-90 100 1988-89 99 1987-88 98 1986-87 97 1985-86 96 1984-85 95 1983-84 94 1982-83 93 1981-82 92 1980-81 91 1979-80 90 1978-79 89 1977-78 88 1976-77 87 1975-76 86 1974-75 85 1973-74 84 1972-73 83 1971-72 82 1970-71 81 1969-70 80 1968-69 79 1967-68 78 1966-67 77 1965-66 76 1964-65 75 1963-64 74 1962-63 73 1961-62 72 1960-61 71 1959-60 70 1958-59 69 1957-58 68 1956-57 67 1955-56 66 1954-55 65 1953-54 22

CHAIRMAN Jerry Host Frank Sibley George Marx Freddie Bagley Odean Busby Greg Taylor Carl Chaney Joel C. Clements E. Robinson McGraw Bill Sones James H. Clayton Harry M. Walker Huey L. Townsend T. E. "Gene" Walker Hugh S. Potts, Jr. S. Griffin Norquist, Jr. Steve Webb W. Page Ogden Fred Miller Vance L. Witt George A. Schloegel Larry Pratt Aubrey Patterson E. E. Prestridge Earl W. Lundy* Bobby P. Martin Jack B. Yates E. B. Robinson Jr. Leon C. Williamson Lewis F. Mallory, Jr. D. P. McGowan* F. Farrell Berryhill* M. F. Kahlmus* Raymond L. Davis* R. E. Kennington, II* Cecil F. Robbins* Douglas A. Herring Don F. Calfee* Paul W. McMullan* R. D. Gage, III* Ray K. Smith* John H. Mitchell, Jr.* William E. Howard, Jr.* R. Ben Lampton* Leo W. Seal, Jr.* J. C. Whitehead, Jr.* C. S. McGivaren,* S. D. Davis* C. E. Morgan, Jr.* H. P. Heidelberg Jr.* W. Liddon McPeters* Orrick Metcalfe* C. A. Miller, Jr.* N. S. Rogers C. C. Eason* Thad B. Lampton, Jr.* Wylie V. Kees* E. P. Peacock, Jr.* L. Y. Foote* R. C. Liddonh* C. E. Morgan* J. T. Brown* S. E. Babington* W. W. Hollowell* R. P. Parish, Jr.*

THE MISSISSIPPI BANKER

HOMETOWN Jackson Marks Hazlehurst Brandon Magee Holly Springs Gulfport Waynesboro Tupelo Brookhaven Indianola Jackson Belzoni Forest Kosciusko Yazoo City Philadelphia Natchez Anguilla New Albany Gulfport Batesville Tupelo Hazlehurst Vicksburg Ripley Lexington Jackson Magnolia Starkville Yazoo City Pontotoc Meridian Brookhaven Grenada Edwards Starkville Brandon Hattiesburg Port Gibson Greenville Starkville Laurel Jackson Gulfport Tupelo Clarksdale Mendenhall Kosciusko Pascagoula Corinth Natchez Greenwood Jackson Tupelo Columbia Magee Clarksdale Hattiesburg Corinth Kosciusko Jackson Magnolia Greenville Greenwood

CONVENTION SITE Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Destin, FL Biloxi Panama City Beach, FL Destin, FL Destin, FL Biloxi Biloxi Panama City Beach, FL Nashville, TN Panama City Beach, FL Panama City Beach, FL Panama City Beach, FL Panama City Beach, FL Panama City Beach, FL Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi

MBA Past Chairmen NO. YEARS SERVED 64 1952-53 63 1951-52 62 1950-51 61 1949-50 60 1948-49 59 1947-48 58 1946-47 57 1945-46 56 1944-45 55 1943-44 54 1942-43 53 1941-42 52 1940-41 51 1939-40 50 1938-39 49 1937-38 48 1936-37 47 1935-36 46 1934-35 45 1933-34 44 1932-33 43 1931-32 42 1930-31 41 1929-30 40 1928-29 39 1927-28 38 1926-27 37 1925-26 36 1924-25 35 1923-24 34 1922-23 33 1921-22 32 1920-21 31 1919-20 30 1918-19 29 1917-18 28 1916-17 27 1915-16 26 1914-15 25 1913-14 24 1912-13 23 1911-12 22 1910-11 21 1909-10 20 1908-09 19 1907-08 18 1906-07 17 1905-06 16 1904-05 15 1903-04 14 1902-03 13 1901-02 12 1900-01 11 1899-1900 10 1898-99 9 1897-98 8 1896-97 7 1895-96 6 1894-95 5 1893-94 4 1892-93 3 1891-92 2 1890-91 1 1889-90

CHAIRMAN W. P. McMullan* L. G. Simmons* W. B. Herring* P. C. Williams* Frank E. Allen* W. Stennis Johnson* Walter Page* G. J. Hauenstein* M. D. Brett* Leo W. Seal* W. M. Mounger W. H. Negus* Frank R. McGeoy, Jr.* A. L. Rogers* W. A. Montgomery* Conwell Sykes* George C. Wallace* B. J. Carter, Jr.* H. H. Chambliss* M. Gerald Burrow* G. M. McWilliams* J. W. Slaughter* B. C. Adams* N. H. Crenshaw* F. H. Parker* A. D. Simpson* O. B. Taylor* J. B. Stirling* R. B. Clark* H. C. Herring* E. P. Peacock* W. D. Davis* T. W. McCoy* Thad B. Lampton* R. C. King* W. P. Kretschmar* J. A. Bandi* S. J. High* Henry Hart* J. F. Flournoy* Q. B. Quinn* C. H. Williams* B. W. Griffith* W. M. Anderson* O. Newton, Jr.* John M. Fletcher* E. McMorries* J. W. McGrath* F. W. Foote* J. T. Thomas* J. J. White* B. L. Roberts* R. L. Bennett* Phil A. Rush* J. A. Conway* G. D. Able* James E. Negus* C. W. Robinson* J. W. Griffis* R. W. Millsaps* A. G. Campbell* Lee Richardson* W. A. Pollock* S. S. Carter*

HOMETOWN Jackson Pontotoc Pascagoula Yazoo City Canton McComb Starkville Hattiesburg Jackson Bay St. Louis Jackson Greenville Greenwood New Albany Edwards Clarksdale Jackson Meridian Laurel Tunica Hattiesburg Columbus Grenada Jackson Canton Meridian Jackson Jackson Tupelo Moss Point Clarksdale Brookhaven Vicksburg Jackson Greenwood Greenville Gulfport Tupelo Winona Canton McComb Yazoo City Vicksburg Jackson Jackson Kosciusko Meridian Brookhaven Hattiesburg Grenada McComb Canton Yazoo City Senatobia Vicksburg Water Valley Greenville Meridian Grenada Jackson Natchez Vicksburg Greenville Jackson

CONVENTION SITE Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Biloxi Jackson Biloxi Jackson Biloxi Biloxi Biloxi Biloxi New Orleans Edgewater Gulf Memphis Vicksburg Biloxi Jackson Memphis Jackson Gulfport Biloxi Memphis Edgewater Gulf Biloxi Jackson Columbus Meridian Jackson Vicksburg Gulfport-Biloxi Clarksdale Camp Shelby Greenville Laurel Jackson Vicksburg West Point Gulfport Greenwood Natchez Columbus Brookhaven Gulfport Meridian Vicksburg Tupelo Hattiesburg McComb City West Point Canton Grenada Greenville Water Valley Jackson Jackson Jackson Yazoo City Vicksburg Natchez Meridian Jackson

* Deceased

MARCH/APRIL 2018

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Mississippi Young Bankers THE MISSISSIPPI BANKER

Mississippi Young Bankers host group Networking events around state

Mississippi Young Bankers hosted networking events in all eight MBA groups prior to the MYB Convention to encourage banker participation at the local level in both MYB and MBA activities. Shown above are the Group 2 meeting in Oxford (left), the Group 3 meeting in Greenwood (center) and the Group 8 meeting in Gulfport (right).

Inspire the Next Generation of Bankers ABA Foundation’s Teach Children to Save is your opportunity to help youth in your community discover invaluable lessons like sound money skills, or even careers in banking.

We’ll equip you with a variety of TCTS resources at no cost.

All you have to do is register to participate.

Join us in 2018, and help inspire K-8 youth in your community.

aba.com/Teach | #TeachChildrentoSave

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THE MISSISSIPPI BANKER

Mississippi Young Bankers THE MISSISSIPPI BANKER

Over 50 Mississippi bankers attend 4th Annual MYB Day at the Capitol On Tuesday, February 20, the Mississippi Young Bankers Section held its 4th annual “Day at the Capitol”.

MYB President Wes Rouse of Hattiesburg, Vice President Bob Glover of Ripley, and Treasurer Marc Petro of Madison lead a group of more than 50 young bankers in various activities and meetings at the Mississippi Capitol Building during an important day of the 2018 Legislative Session.

Attendees met with key public officials, including Lt. Gov. Tate Reeves, House Banking Committee Chairman

Hank Zuber, and representatives from the Mississippi Department of Banking and Consumer Finance including Deputy Commissioner Rhoshunda Kelly. Bankers also attended a legislative briefing hosted by MBA staff, and observed House and Senate debate.

Bankers interested in learning more about MYB “Day at the Capitol” are encouraged to contact Gordon Fellows, MBA SVP Government Relations, at gfellows@msbankers.com or by calling the MBA office at 601-948-6366.

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DIRECTION FOR TOMORROW'S LEADERS MI MYB Annual Convention draws over 400 "Direction for Tomorrow's Leaders" was the theme of the 2018 Mississippi Young Bankers Convention held March 10-14. Over 400 attended the annual meeting at Marriott's Grand Hotel in Point Clear, Alabama.

MYB President Wes Rouse of Magnolia State Bank, Hattiesburg, presided over the convention, which concluded another successful year for the young bankers section. Highlights of the convention included the election of new MYB officers and Executive Council members and the presentation of scholarships awarded by MYB and the MIssissippi Bankers Association Education Foundation. The 2018 convention featured two days of programs devoted to leadership, as well as a schedule full of other activities designed to promote fellowship among the bankers and their families in attendance.

MYB Vice President Bob Glover of The Peoples Bank, Ripley, presided over the convention's opening general session on Sunday morning. MBA Chairman Jerry Host, CEO of Trustmark Bank, Jackson, was the first speaker, addressing effective leadership in a changing

banking environment. Second on the agenda was a presentation by marketing specialist Becky Drahota on successful marketing of financial services.

Concluding the Sunday session was a panel discussion covering keys to bank leadership. Panelists included MBA Chairman Host; MBA Vice Chairman Mary Childs, CEO of The Peoples Bank, Ripley; former MBA Chairman Fred Miller, chairman of Bank of Anguilla; and Mississippi's representative on the ABA Government Relations Council, Chuck Nicholson, CEO of Community Bancshares. Glover facilitated the panel discussion, which included questions from attendees.

MYB Treasurer Marc Petro of Community Bank, Ridgeland, presided over Monday's general session which began with a presentation by Dr. David Kohl, award-winning author and economics professor who serves on the faculty of the Graduate School of Banking at LSU. Dr. Kohl addressed current economic issues and trends in the United States and world economies. Following Dr. Kohl, Art Schonbrum inspired attendees with his amazing experience on the

Top Left, clockwise: MBA Chairman Jerry Host addresses the MYB Convention attendees; MYB Treasurer Mark Petro; CEO Panel members Jerry Host, Trustmark, Mary Childs, Bank of Ripley, Fred Miller, Bank of Anguilla, Chuck Nicholoson, Community Bank; General Session Speakers Dr. David Kohl and Becky Drahota.

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THE MISSISSIPPI BANKER

Outoing MYB president Wes Rouse with incoming MYB president Bob Glover at the MYB convention Saturday night banquet.

78th floor of the World Trade Center on September 11, 2001. Schonbrun told how his life was changed through helping others escape the WTC and survive the 9/11 terrorist attack.

Glover was elected MYB President for 2018-19 during Monday's business session. The membership also elected Petro as MYB Vice President and Zach Luke of Bank of Commerce, Greenwood, as Treasurer for the new year.

ISSISSIPPI YOUNG BANKERS ANNUAL CONVENTION Young Bankers elect new leadership for 2018-19 During the 2018 Mississippi Young Bankers Convention, the MYB membership elected bankers to lead the section in 2018-19 as officers and members of the Executive Council.

Bob Glover of The Peoples Bank, Ripley, was elected MYB President for the coming year. He succeeds Wes Rouse of Magnolia State Bank, Hattiesburg, who concluded his term as President at the 2018 convention. Also elected as officers for 2018-19 were Marc Petro of Community Bank, Ridgeland, who was elected Vice President, and Zach Luke

of Bank of Commerce, Greenwood, who was chosen to serve as Treasurer.

Elected to two-year terms on the MYB Executive Council were Amanda Estrade, The Peoples Bank (Biloxi), Bay St. Louis (At-Large), Brooks Crider of First Choice Bank, Pontotoc (Group 1); Eric Miller, Planters Bank & Trust, Greenwood (Group 3); Craig Espey, First State Bank (Waynesboro), Meridian (Group 5); and Wayne McKenzie, Bank of Brookhaven, Brookhaven (Group 7).

The newly elected bankers join the following returning members of the MYB

Council: Gage Walker, Renasant Bank, Brandon; Jeffrey King, Bank of Holly Springs; Aaron Oberschmidt, Trustmark Bank, Columbus; Brian Hughes, PriorityOne Bank, Pearl; Bill Kilduff, Community Bank, Ocean Springs; Dr. Ken Cyree, Frank Day/MBA Chair of Banking, Oxford; Gordon Fellows, Mississippi Bankers Association, Jackson.

Joining the Council as at-large appointees are Rebecca Barrentine, Copiah Bank, Hazlehurst; and Drew Kenna, Bank of Forest, Forest. Brooke McCoy serves as MBA staff manager for MYB.

Members of the 2018-19 Mississippi Young Bankers Executive Council attending the Annual MYB Convention were (from left) Craig Espey, Meridian; Brooks Corder, Pontotoc; Aaron Oberschmidt, Columbus; Eric Miller, Greenwood; Rebecca Barrentine, Hazlehurst; Gage Walker, Brandon; Treasurer Zach Luke, Greenwood; Dr. Ken Cyree, Oxford; President Bob Glover, Ripley; Jeffrey King, Holly Springs; Vice President Marc Petro, Ridgeland; Outgoing President Wes Rouse, Hattiesburg; Brian Hughes, Pearl; Kent Mortimer, Kilmichael; Bill Kilduff, Ocean Springs; Wayne McKenzie, Brookhaven; and Amanda Estrade, Bay St. Louis.

130th MBA Annual Convention | May 9-13 | Destin, FL

MARCH/APRIL 2018

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DIRECTION FOR TOMORROW'S LEADERS MI Swayze Scholar and finalists recognized, Merit Scholarship awarded at MYB Convention MYB joined the MBA Education Foundation in presenting two scholarship awards at the recent 2018 MYB Convention. Greg Hodges, chairman of the MYB Scholarship Committee, announced Jacob Robinson of the University of Mississippi as the 2018 Swayze Scholar, emblematic of the top college senior studying banking and finance in Mississippi. Robinson received the Swayze medallion along with a $5,000 cash award from the Education Foundation. Hodges also recognized four Swayze finalists: Randall Edward Dias of the University of Southern Mississippi, George Elliott Farmer of Mississippi State University, Matthew Dillon Ladner of the University of Southern Mississippi, and Jose Carlos Quan Lopez of Mississippi State University. Each finalist received a cash award of $1,500.

Jacob Taylor Robinson of Ole Miss was named the 2018 Swayze Scholar at the MYB Convention. Above, Robinson is pictured with Dr. Ken Cyree, Director of the Mississippi School of Banking and Frank R. Day/Mississippi Bankers Association Chair of Banking at Ole Miss.

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Swayze ďŹ nalists, L to R: Mathew Dillon Ladner, University of Southern Mississippi; Randall Edward Diaz II, University of Southern Mississippi; Jacob Taylor Robinson, University of Mississippi; George Elliott Farmer, Mississippi State University; and Jose Carlos Quan Lopez, Mississippi State University.

Jake Camp, whose father is John Camp of BancorpSouth in Nesbit, received the 2018 annual Merit Scholarship. A senior at Desoto Central High School in Southaven, Jake is in the school band and participates in track and ďŹ eld. He has a 4.48 GPA and received a 35 on the ACT. Above, Camp is pitcured with Greg Hodges, chair of the MYB Scholoarship Committee, and Mac Deaver, Secretary-Treasurer of the MBA Education Foundation. Camp received a cash award of $1,500.

THE MISSISSIPPI BANKER

ISSISSIPPI YOUNG BANKERS ANNUAL CONVENTION MYB Convention Photos

MARCH/APRIL 2018

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Bankers on the Move THE MISSISSIPPI BANKER

Please submit to editor@msbankers.com BankFirst C h a s e C o c k re l l has been promoted to Credit Officer in the bank’s Madison location. Cockrell received his Bachelor’s degree in December of 2017 from the University of Mis- Cockrell sissippi while continuing to further his career with BankFirst.

La Donnia Dyess has been promoted to Loan Officer in the bank’s Louin location.

Her primary responsibilities will include serving existing clients and developing Dyess new relationships with both personal and business customers.

First Security Bank Tina Allen has been promoted to Assistant Vice President. Tina works as Assistant Cashier and manages the operations in bookkeeping. She began her banking career in 1990. Allen Brandy Bright has been promoted to Trust Officer. She received her certification last year as a Certified Trust and Financial Advisor. Bright has been with First Security Bank Bright since July of 2013. She earned a Bachelor in Business Administration from Delta State University.

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First Security Bank

First Security Bank

Justin Hill has been named President of the bank. Hill has been with the bank since 1999, working in various departments while he attended Mississippi State University. He Hill received his Bachelors of Business Administration from Mississippi State University and is a graduate of the Mississippi School of Banking and the Graduate School of Banking.

Earle Moore has been named Vice President at the bank’s new Se n a t o b i a Br a n c h .

Moore has more than 20 years of banking experience and is a graduate of the Uni- Moore versity of Mississippi, the Mississippi School of Banking and the Graduate School of Banking.

J.B. Lowrie has been named Branch President of the bank’s new Senatobia Branch. Lowrie is a graduate of Delta State University, the Mississippi School of Banking and the Gradu- Lowrie ate School of Banking.

He brings more than 16 years of experience to the bank.

Em m a Lu m h a s been named a loan officer in the bank’s Tunica Branch. Lum began her second career in 2005 after retiring from the Tunica County School Sys- Lum tem. Emma has degrees from Mississippi State, Delta State and Ole Miss with additional studies at the University of Southern Mississippi.

Lesley Melton has been named loan officer in the bank’s Tunica Branch. Melton’s background is real estate and she began her banking career in 2011 as a customer service represenMelton tative and loan assistant.

THE MISSISSIPPI BANKER

Clint Powers has joined the bank as Branch Manager of the Marks Branch. Powers is a graduate of the University of Mississippi and has been a customer service proPowers vider for North Mississippi for over 12 years.

Great Southern Bank Sherrye Cawthon has been promoted to Branch Officer of the Hattiesburg branch located at Hwy. 98 West. Cawthon began her banking career in 1999 as a teller with Cawthon The First, A National Banking Association and joined Great Southern in 2006.

Guaranty Bank Susan Giglio has been promoted to Assistant Vice President in Information Technology Support in Belzoni.

A 16-year employee of the bank, Giglio earned a Bachelor of Science Giglio degree from Delta State University and an Associates degree from Mississippi Delta Community College.

Bankers on the Move THE MISSISSIPPI BANKER

Guaranty Bank

Guaranty Bank

Regions Bank

Walker Sudduth has been promoted to Vice President with Guaranty Financial Services, a wholly-owned subsidiary of Guaranty Bank & Trust Company. He joined Guaranty Finan- Suddeth cial Services in 2012 and earned his Bachelor of Business Administration from the University of Mississippi.

Beth Woods Roy has been named Banking Officer. Roy joined the bank in 2015 after working for eight years at First Security Bank. She earned her Bachelor’s degree in Roy Marketing from the University of Mississippi and later earned a Bachelor’s degree in Banking & Finance.

Drew Hull has been named a Commercial Relationship Manager II in Grenada. A Regions employee since 2011, Hull earned a Bachelor’s degree in business from Mississippi Hull State University and an MBA from the University of Mississippi.

Matthew Hood has been promoted to Assistant Vice President in Information Technology Support in Belzoni. Hood joined G u a r a n t y Ba n k i n 2013 and is a graduate of Mississippi Delta Hood Community College.

Brandy Tominello has been promoted to Vice President and will serve as the Retail Credit Manager for the bank. Tominello has been affiliated with the bank since 2000. She attended MDCC and Tominello has completed studies at the Mississippi School of Banking and also attended the American Bankers Association Compliance School.

Lynn McCollum has been named Assistant Vice President and Personal Banker in Hollandale. Mrs. McCollum has worked for Guaranty Bank in Hollandale for 20 years.

McCollum

Gretchen McNeal has been promoted to Senior Vice President Operations in Belzoni. McNeal earned her Masters of Business Administration from Delta State University and is a 23-year bank- McNeal ing veteran. She is also an Accredited ACH Professional and is certified in National Check Payments.

We n d y W i t h e r spoon has been promoted to Assistant Vice President at the bank’s Greenville Highway 1 branch. Witherspoon joined Guaranty Bank in 2006 as a part-time Witherspoon teller and was promoted to Head Teller and Branch Manager.

PriorityOne Bank Barry Scott Winford has joined the bank as Sr. Vice President. Winford has 25 years of banking experience He earned a Bachelor of Business Administration from Mississippi State University and completed the Exec- Winford utive Development Program at The Wharton School of Business.

Renasant Bank Donna Sims has joined the bank as its Starkville Market President. Sims is a graduate of Mississippi State University, the Mississippi School of Banking, and the American Bank- Sims ers Association’s Consumer and Commercial Lending Schools.

Southern Bancorp James Boyd Jr. has been promoted to Executive Credit Officer.

Boyd will officially replace the bank’s current and long-time Executive Credit Officer, George Purcell, upon Boyd his retirement in June.

Boyd joined the bank in 1998 and is a graduate of the University of Arkansas.

D o n a l d Fr a z i e r has been promoted t o C e n t r a l Re g i o n CEO. Frazier joined the bank in 2010. He previously worked with several Mississippi financial institutions Frazier and for the Comptroller of the Currency. He is a graduate of the University of Alabama and the Graduate School of Banking.

MARCH/APRIL 2018

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Bankers on the Move THE MISSISSIPPI BANKER

Trustmark Bank Ty Austin has been promoted to Credit Analysis Officer at he bank's corporate headquarters in Jackson.

Austin has four years of banking experience and earned a Master of Business Admin- Austin istration from Delta State University and a Bachelor of Arts from the University of Mississippi.

Kathy Brady has been promoted to Vice President at the bank’s Columbus Main officer. Brady has 14 years of banking experience and earned a Bachelor of Science in Paralegal Studies from Mississippi Brady University for Women.

Keyla Bradford has been promoted to Audit Officer at the bank’s corporate headquarters in Jackson. Bradford has 16 years of auditing experience and earned a Master of Business Administration and a Bach- Bradford elor of Business Administration from Jackson State University.

Cassandra Burch has been promoted to Assistant Vice President at the bank’s corporate headquarters in Jackson. Burch has 22 years of banking experience and earned a Master of Science in Burch Leadership and a Bachelor of Science in Business Management from Belhaven University. She also received an Associate of Science in Computer Networking and an Advanced Computer Networking Support Certificate from Hinds Community College.

32

Trustmark Bank James Carter has been promoted to Commercial Banking Officer at the Brandon Main office. Carter has five years of banking experience and earned a Bachelor of Arts in EcoCarter nomics and Accounting from Tougaloo College.

Trustmark Bank Lynn Lee has been promoted to Assistant Vice President at the bank’s corporate headquarters in Jackson. Lee has four years of banking experience and earned both a Master of Business Administration and a Bachelor of Business Administration from Millsaps College.

Ryan Lee has been promoted to Senior Vice President at the Simon Collier has bank's Vicksburg been promoted to Audit Main office. Lee has Officer at the bank’s 16 years of experience corporate headquarand earned a Bachelor ters in Jackson. Colof Science in BusiLee lier has more than four ness Administration years of banking exfrom the University of perience and earned a Southern Mississippi. He has also comBusiness Administra- Collier pleted the Graduate School of Banking, tion degree from Alcorn the Southeastern School of Commercial State University and an Accounting Lending, the Southeastern School of Certificate from Belhaven University. Advanced Commercial Lending and Leadership Vicksburg.

J.R. Crowell has been promoted to ComAli Williams has been mercial Banking Officer promoted to Credit at the Brandon Main Analysis Officer at office. Crowell has three the bank’s corporate years of banking exheadquarters in Jackperience and earned a son. Williams has over Bachelor of Science in 10 years of banking Agricultural Economics Crowell experience. She earned Williams and Business Managea Master of Business ment from Mississippi State University. Administration from William Carey University and a BachMandy Granger elor of Science in Business Administrahas been promoted tion from the University of Southern to Branch Officer at Mississippi. the bank’s Byram office. Granger has eighMichelle Williams has been promoted teen years of bankto Vice President at the bank’s corporate ing experience, thirheadquarters in Jackson. Williams has teen of which have 21 years of banking experience and atbeen with Trustmark. Granger tended Meridian Community College.

THE MISSISSIPPI BANKER

Please submit to editor@msbankers.com

MBA Professional Development

Webinars

Training opportunities at your convenience

Visit msbankers.com to view and register for these webinars and more TUESDAY, APRIL 24

MONDAY, MAY 7

WEDNESDAY, MAY 16

BSA/AML for Lenders 10:00 a.m. - noon

Lending 101 1:30 - 3:30 p.m.

Nailing Your Job of Head Teller 1:30 - 3:30 p.m.

Fair Lending - Do Your Lenders Know the Requirements?

1:30 - 3:30 p.m.

TUESDAY, MAY 8

THURSDAY, MAY 17

Branches in the Digital Age: How to Reset Your Branch Network 10:00 a.m. - noon

Escrow Accounts Compliance 10:00 a.m. - noon

Unclaimed Property Compliance 10:00 a.m. - noon

Vulnerability Management Improvements 1:30 - 3:30 p.m.

Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank 1:30 - 3:30 p.m.

Call Reports: RC-C Loan Coding and Related RC-R Reporting 10:00 a.m. - noon

Residential Construction Lending 10:00 a.m. - noon

THURSDAY, APRIL 26

2018 Most Common Regulation O Concerns 1:30 - 3:30 p.m.

WEDNESDAY, APRIL 25

Safe Deposit Danger Zones-Disaster Recovery Program - 2018 Update 10:00 a.m. - noon ____________

TUESDAY, MAY 1 Controlling the Risks of Power of Attorney Documents 10:00 a.m. - noon

WEDNESDAY, MAY 2 Loan Participations 10:00 a.m. - noon Understanding Commercial Loan Documents 1:30 - 3:30 p.m.

THURSDAY, MAY 3 Living Trust Documents 10:00 a.m. - noon

FRIDAY, MAY 4 Introduction to Consumer Lending 10:00 a.m. - noon

WEDNESDAY, MAY 9

THURSDAY, MAY 10 FFIEC Mobile Services Guidance Review 10:00 a.m. - noon

FRIDAY, MAY 11 Accounts Receivable and Inventory Financing 10:00 a.m. - noon

MONDAY, MAY 14 Commercial Real Estate Lending: Cash Flow Analysis & Cap Rates 1:30 - 3:30 p.m.

FRIDAY, MAY 18

MONDAY, MAY 21 For Bank Managers: How to Hire Bankers Who Will Sell 1:30 - 3:30 p.m.

TUESDAY, MAY 22 Basic Underwriting 10:00 a.m. - noon Common Pitfalls of ARM Disclosures 1:30 - 3:30 p.m.

WEDNESDAY, MAY 23 When to Coach? When to Supervise?

1:30 - 3:30 p.m.

THURSDAY, MAY 24 E-Sign for Lending and Critical E-Sign Implementation Issues 10:00 a.m. - noon ____________

TUESDAY, MAY 15 Introduction to ACH...The Basics 10:00 a.m. - noon Calling All Trainers: Engage Your Learner Start to Finish 1:30 - 3:30 p.m.

TUESDAY, MAY 29 2I¿FHU &DOOLQJ 3URVSHFWLQJ Preparing & Presentation 1:30 - 3:30 p.m.

MARCH/APRIL 2018

33

American Bankers Association THE MISSISSIPPI BANKER

Stepping Up Our Political Engagement

By Rob Engstrom, Chief Political Strategist, American Bankers Association

Go vote. Every election we hear about the importance of voting. And it is extremely important.

But as an industry that touches every community in America, Engstrom I’d argue that bankers need to do more than just vote; we must be politically engaged yearround, even and odd-numbered years.

Political engagement means so much more than just voting or giving to campaigns, though both are important ways to make your voice heard. Political engagement is a holistic approach that, when executed appropriately and thoughtfully, can make a big difference both inside and outsides the walls of government.

ABA, state bankers associations and our members have helped build and defend the foundation of the American economy for nearly 150 years.

Now we’re bringing our all-American values to the halls of Congress, standing with candidates and legislators of both parties that appreciate the critical role banks play in the economy.

Political engagement is about doing our part to keep the American dream within reach for bank customers, clients and communities.

To recognize and elevate the importance of political engagement, both as an organization and on behalf of bankers

everywhere, ABA has fully integrated our BankPac, grassroots, independent expenditure and voter education efforts to speak with one voice under the ABA brand. To that end, we are: Launching a voter education effort the ABA Voter Education Fund — to grow our political profile by engaging in issue and candidate advocacy, polling, research and “get out the vote” efforts Establishing criteria for candidate support and outlini n g s t a n d a rd s f o r e n g a g e m e n t Expanding our grassroots infrastructure and preparing to mobilize as we near key milestones legislatively and politically Strategizing with our partners in the ABA-State Association Alliance, utilizing their boots on the ground for local efforts These are all opportunities for ABA members to be involved and we invite you to be a part. Of course, it all starts with your state bankers association. All politics in local and no one understands that or is a better local resource for you — than your state bankers association.

Engaging in these efforts is not about checking a box for each activity. It’s about finding strategic opportunities to use your resources and your voice to expand the banking industry’s political profile. BankPac, the Voter Education Fund and grassroots are important pieces of increasing our political presence and all allow opportunity for bankers to get involved. But we recognize that these components are not

one-size-fits all. Each bank and each banker have different attributes that may allow them to interact with these opportunities differently. There is a place for every banker and every bank in these political engagement efforts.

So, how can you be a part? Reach out to ABA and your state bankers association to see how you are best placed to participate. For some, it may be joining BankPac; for others supporting voter education efforts; and for more still, it’s being a grassroots ambassador not just cultivating your own relationships with lawmakers, but educating your peers and employees about what’s happening in Washington, so that they get involved.

Political engagement is more than a contribution in an election year or contacting your lawmaker during an important vote. Political engagement is developing and maintaining a constant presence in front of lawmakers and the public that shows bankers are here, we’re paying attention to what’s happening in the halls of government, and we’re actively involved in creating a civic environment that is helpful to the American economy.

The banking industry represents two million employees and millions more customers. It’s time our political will and engagement match that. That’s what we’re doing at ABA and we invite you to be a part of it. Join us at aba.com/engage.

E-mail Rob Engstrom at rengstro@aba.com.

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CONTACT: Brooke McCoy, bmccoy@msbankers.com 34

THE MISSISSIPPI BANKER

Independent Community Bankers Association THE MISSISSIPPI BANKER

Goodbye, farewell and thank you

By Camden R. Fine, President & CEO, Independent Community Bankers of America

Every month for nearly 15 years, I have shared my thoughts with you on the top issues of the day in my monthly column.

With this column, I pen my last message Fine to you. It boggles my mind that 15 years have passed since my first monthly message, but here we are. Such a different world today than then. But community banking remains and is in many ways stronger today than it was when I arrived at ICBA in May 2003.

I could write a thesis on the myriad ways the world has changed over the past decade and a half. In my view, one word best captures our changed world: technology! Technology has affected every facet of our lives for both good and ill. And it will continue to impact our lives, our culture and society in ways we cannot even imagine today.

Whether those changes will work for the better or worse depends on how we relate and adapt to them. If

community banking can adapt and assimilate to the ever-changing technological landscape, community banks and banking will flourish. And I believe community banks can and will adapt, because the greatest strength of community banks is their ability to evolve.

Community banks have been adapting to their changing environments for more than two centuries, and they will continue to do so. That is what makes our nation’s community banks unique.

And it is what makes representing community banks so much fun and such an honor. No other nation on earth has a community banking system like that of the United States. It is our nation’s secret economic weapon. It is what has separated the U.S. economic system from all other nations and made ours the greatest economic force on earth. Community banks are the engines that create jobs, enable small communities and the rural countryside to thrive, and help entrepreneurs to get their start. Some of the greatest companies in the United States got their start from a community bank.

And our community banking system

has held to its principles while at the same time adapting to its environment. That is why we continue to survive and thrive.

Relationship banking, adaptability and a willingness to take chances are the hallmarks of community banks. These qualities will serve the community banking industry well as our financial world continues to evolve in the years ahead.

I leave ICBA in the hands of my very able successor and the most outstanding staff in the association world. It has been the greatest honor of my life to represent and advocate for our nation’s community banks. I will never be able to adequately thank all the thousands of community bankers who have helped and encouraged me over the years. Just know that I will always be grateful to you and hold a special place for you in my heart. You are the greatest men and women in America. And always know that it is you who make all of this work.

Thank you from the bottom of my heart. I wish all of you well and great success.

Farewell.

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MARCH/APRIL 2018

35

MBA Job Bank THE MISSISSIPPI BANKER

The Mississippi Banker

JOB BANK DOWNLOAD A JOB BANK FORM at msbankers.com CONTACT

adavis@msbankers.com Bank Examiner: The Department of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resumes to sam.hubbard@dbcf.ms.gov.

Collections & Recovery Specialist: Responsible for mitigating loan losses by negotiating payment arrangements to resolve delinquent accounts. This individual works to recover the property of defaulted loans by negotiating payment arrangements for customers with past due accounts; taking necessary action to repossess, foreclose, or take possession of collateral security involved in delinquent loans; and coordinating activities and resources to recover property on past due accounts, in accordance with established policy and applicable law. High school diploma or equivalent is required. Associate’s degree is preferred. 5 years of relevant experience in collections is required. Experience with financial analysis and general banking knowledge is preferred. Must have strong knowledge of Fair Credit Reporting as well as other applicable consumer and compliance regulations. Must have knowledge of sound collection practices. Must be proficient with Microsoft Office products, eOSCAR, and CM/ECF Pacer. Must be proficient with Navigator or similar technology. Must have strong data entry skills with attention to detail. Must possess exceptional time management skills and have the ability to organize, prioritize, and perform multiple tasks simultane36

ously. This individual may occasionally to work outdoors. Some travel may be necessary to other businesses and branch locations may be necessary using personal vehicle. Must possess valid driver’s license and insurance. External candidates may submit an Employment Application and resume. External applications may be: mailed - Human Resources P.O. Box 729, Pascagoula, MS 39567/ delivered - 3118 Pascagoula St., Pascagoula, MS/ emailed - Careers@MandMBank.com.

Commercial Lending Officer: A community bank in the Hattiesburg area is seeking a Commercial Lender. Candidates should have a minimum of five years experience in commercial and consumer lending with knowledge of credit, compliance and loan documentation. Must have the ability to conduct business development calls promoting the bank in a positive manner; Participate and support local community events and activities; Must have strong computer and communication skills; Reports to local bank president.

Candidates may submit confidential resumes to adavis@msbankers.com.

Head Teller: The First, A National Banking Association, is seeking a Head Teller.

Candidates must possess a high school diploma or general education degree (GED) or one to two years related experience and/or training. Interested candidates may submit resumes to Pam Petterman at ppetterman@thefirstbank.com.

Lending Assistant Commercial Real Estate: BankPlus, Ridgeland, Mississippi, is seeking an experienced Lending Assistant. This position requires two years prior lending assistant experience. To apply, please visit https://www.bankplus.net/ About/Careers/Career-Opportunities/ Lending Assistant: First Bank in Madison is seeking an experienced Lending Assistant. This position requires experience in loan processing, filing deeds of trust and perfecting collateral liens. Some deposit/customer service support will be expected. Interested candidates may submit resumes to mattT@firstbankms.com.

Commercial Lender: A commercial bank in Jones County is seeking a Com-

THE MISSISSIPPI BANKER

mercial Lender. Preferred candidates will have a minimum of 5 years' experience in commercial and consumer lending with knowledge of credit, compliance and loan documentation. Must have the ability to conduct business development calls promoting the bank in a positive manner, willingness to participate in community events and activities and a history of doing so, and strong analytical and verbal and written communication skills. Interested candidates may submit resumes to adavis@msbankers.com.

Trust Operations and Administrative Support: A community bank in central Mississippi is seeking a candidate for Trust Operations. Perform daily trust system accounting data entry and assist as required in the day-to-day administration of trust accounts, answer incoming client calls and assist with any inquiries. Must have the ability to take on multiple tasks simultaneously and manage them all effectively.

Candidate must have a thorough understanding of General Accepted Accounting Principles. Candidate must be proficient in computer software systems to include word processing, databases and spreadsheets. Must have excellent oral communication skills, analytical and problem solving skills, including attention to detail. Prefer candidate to have bachelor's degree in a business related field and one plus years trust administrative experience with a solid understanding of trust office processes. Interested candidates may submit resumes to adavis@msbankers.com.

Bank Operations Department: The Bank is seeking a motivated applicant to join our team for a full time position in the bank's Operations Department located in Meridian, MS. Responsibilities for the position will include various operational tasks and customer support including reconciliation, tracking and monitoring of bank systems. Applicant should have working knowledge of Microsoft Office Word and Excel products.

Experience within the banking industry and/or accounting experience is preferred.

The position does hold opportunity for future advancement within the company. Interested candidates may contact leah.hearn@commercialbankms.com.

REGISTER ONLINE VISIT msbankers.com CONTACT adavis@msbankers.com

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